We Dedicated an Entire Episode to Respond to the Haters

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point. Next Steps: 🎥 Watch our video Explaining Our Most Hated Financial Advice. 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @georgekamel on Instagram! Be sure to type “GUILTY?” at the top of your message so we don’t miss it. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 🌿 Get up to 40% off with code SMARTMONEY at Cozy Earth. Today’s Happy Hour Special: 🍹 Sparkling Strawberry Coconut Mocktail Recipe: @drinkteabar 2 ounces strawberry puree 6 ounces sparkling water 2 ounces coconut milk Instructions: Add strawberry puree to your glass. Add ice and sparkling water. Stir and top with coconut milk. Explore More From Ramsey Network: 💡 The Rachel Cruze Show 💰 George Kamel 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:05George Kamel?

  Today, we're reacting to our most controversial, triggering, and misunderstood moments on the show.

• 0:10Rachel Cruze?

  All right, I'm not shocked by this one, that I got hate. Probably my mother was in the comments, too.

• 0:15George Kamel?

  So there you have it, Rachel. You came at me more than the commenters did.

• 0:19Rachel Cruze?

  I was a little aggressive, I'm so sorry. Am I a hypocrite?

• 0:23George Kamel?

  I'm not gonna answer that.

• 0:29Rachel Cruze?

  Hey, guys, I'm Rachel Cruz.

• 0:31George Kamel?

  I'm George Kamel.

• 0:33Rachel Cruze?

  And this is... Smart Money Happy Hour.

• 0:42Rachel Cruze?

  Well, this is the show where two friends who happen to be money experts talk about what you're talking about. Everything from pop culture, current events, and money.

• 0:48George Kamel?

  But first, let's talk about what we're sipping on. It's a sparkling strawberry coconut mocktail.

• 0:53Rachel Cruze?

  I like it.

• 0:54George Kamel?

  Because we're being mocked, and so it's time to defend ourselves.

• 0:58Rachel Cruze?

  Oh, drinking a mocktail on the mocked episode.

• 1:00George Kamel?

  Perfect, very fair. So we're gonna give you a rating and reveal the cost per glass at the end of the episode, so stick around for that.

• 1:06Rachel Cruze?

  Yep, so good.

• 1:07George Kamel?

  So one thing about social media, Rachel, people have been getting extremely comfortable, publicly calling each other out. I don't know what's going on here, but the comment sections have gotten real wild, very unhinged.

• 1:18Rachel Cruze?

  I know.

• 1:19George Kamel?

  And I don't know, I'm not the type of person to leave a comment unsolicited on a video or a post.

• 1:25Rachel Cruze?

  Totally, no.

• 1:26George Kamel?

  Unless it's a friendly, "love that for you," you know?

• 1:29Rachel Cruze?

  Sure, yeah.

• 1:30George Kamel?

  Positive.

• 1:30Rachel Cruze?

  I know. And you know, I like a good little debate every now and then. Like, you know, get in there. If we can all just be open-minded, a little political. I like to read some of the comments sometimes, like, political posts, to be like, "All right, what's the banter going on here?" But when it is at you, it's a whole different ballgame, George.

• 1:46George Kamel?

  And you want to defend yourself. And you can't always jump into the comment section and say your true thoughts. And so that's why we have this episode.

• 1:53Rachel Cruze?

  We did it again, a whole episode to this. So we can be as honest about what we think as possible.

• 1:59George Kamel?

  Have you ever let a comment or DM get under your skin that like upset you for longer than a day?

• 2:05Rachel Cruze?

  Uh, yeah. I've had two that I still think about every now and then.

• 2:11George Kamel?

  Can you share?

• 2:11Rachel Cruze?

  One was this girl and she was like, yeah, basically ragging that I'm Dave's daughter. And she's basically like looking and she like tried to like pull all my credentials. Like I don't have a formal education in the financial world, like all this stuff. And I was like, come on, girl.

• 2:27George Kamel?

  So like they were calling you like nepo baby? Is that the name?

• 2:30Rachel Cruze?

  Yeah, yeah.

• 2:30George Kamel?

  They're like, oh, it's just nepotism.

• 2:32Rachel Cruze?

  Yeah, and I get that a lot. It's like those comments. I'm like, I hear those a lot. But it was like another layer for some reason that I was like, ah. And then I had one about me saving for the pool, our pool that we literally have been saving for for five years. We couldn't build it when we moved in, when we built our house, because we didn't have the money for it.

• 2:49George Kamel?

  You're moving at the speed of cash. It's an expensive project.

• 2:51Rachel Cruze?

  Yeah, I mean, and we were gonna do it nice, right? So it was a, it was a pricier project, but we're like, we're gonna wait until we can't. And someone was like, they were like, God, we all know she could just pay for it. She's having to keep that company afloat by working the plan, end quotes.

• 3:06George Kamel?

  Oh, wow.

• 3:08Rachel Cruze?

  I'm being accused of like fake saving. Like saving is a big deal for me. Big deal for me because I'm a spender.

• 3:13George Kamel?

  Yeah.

• 3:14Rachel Cruze?

  But I can't, I thought about that multiple times during the project. I'm like, it's just funny that they thought I was fake saving. But I was like, what do you think? Do you genuinely think I just have access to Dave's like bank account? That I get to like take money out and use it?

• 3:27George Kamel?

  Paying cash for everything. It's like, this is like building a house. This is a very expensive project.

• 3:31Rachel Cruze?

  Yes, I know. So anyways, I've thought about that a couple of times. I was like, do people really think that I'm like fake saving? How about you, George?

• 3:37George Kamel?

  Uh, well, there was a recent post. I don't think it's in this episode. It's so recent. And it went viral, like over five million views about car loans. It was just an excerpt from my book about how stupid car loans are.

• 3:46Rachel Cruze?

  Yeah.

• 3:47George Kamel?

  And the comment, I jumped into the comments a little. I dove into the deep end.

• 3:50Rachel Cruze?

  You love jumping in there sometimes. But we hold you back. The lifeguards at Rams, they're like, don't go in, George. You can't swim. And you just, you just dive in.

• 3:57George Kamel?

  But what joy do I have?

• 3:59Rachel Cruze?

  And you do a swan dive too. I feel like you're just like ready to.

• 4:01George Kamel?

  And I'm not a good swimmer.

• 4:02Rachel Cruze?

  Yeah.

• 4:03George Kamel?

  So I get in there and it's not pretty, Rachel. So I left some comments because people, I just feel like their cornbread wasn't done in the middle and I needed to jump in there and let them know how stupid their comments are. So, you know, they're talking about car loans and they're going, what do you want us to do? Just walk everywhere? Yes, that's exactly what I'm saying. Either buy, don't buy a $40,000 car, instead walk everywhere. That's exactly what this post was about. And so that stuff just really irks me and I want to defend myself and I'm sometimes not the most winsome commenter.

• 4:35Rachel Cruze?

  Yeah. See, I don't get into my comments with that stuff.

• 4:37George Kamel?

  That's wisdom.

• 4:38Rachel Cruze?

  I did want to reply to that girl and be like, love women supporting women and like, kind of just throw it back at her.

• 4:44George Kamel?

  See, you can be snarky too.

• 4:45Rachel Cruze?

  I didn't. I didn't though. Thought about it.

• 4:48George Kamel?

  It's fun for me. It's sport. And you know what? Most of these profiles have zero posts, no profile picture. It's like, these are even real, in my head, not even real people.

• 4:57Rachel Cruze?

  For sure.

• 4:58George Kamel?

  This isn't Jane who's like, you know, like mama four, you know.

• 5:02Rachel Cruze?

  Okay, but those are funny when mama four Jane comes at you.

• 5:06George Kamel?

  Oh, yeah.

• 5:07Rachel Cruze?

  And then you go and she's like, 1 Corinthians 4:6 in her profile and you're like, good night Jane.

• 5:13George Kamel?

  I always try to go to their profile to use some dirt against them.

• 5:15Rachel Cruze?

  Wow, George. Okay.

• 5:17George Kamel?

  I am vindictive.

• 5:18Rachel Cruze?

  Man, we are gonna, we are so excited about this episode.

• 5:21George Kamel?

  Let's get into it.

• 5:21Rachel Cruze?

  If you can't tell.

• 5:22George Kamel?

  Our team pulled clips specifically from Smart Money Happy Hour where people in the comments section have either disagreed with us, been triggered by what we said, or just misunderstood us completely.

• 5:32Rachel Cruze?

  I love it. So, uh, let's dive in, shall we?

• 5:34George Kamel?

  We're gonna watch the clips.

• 5:36Rachel Cruze?

  I think we should.

• 5:36George Kamel?

  Okay. And to have some fun, we're gonna hear the angry commenters out and then we're gonna wave these signs to indicate whether we are doubling down or we see your point. Maybe there was some regret, some context needed.

• 5:48Rachel Cruze?

  We hear you. Um, all right. So, uh, the first clip, this is you, George. Oh my gosh, George Campbell, you are tacky.

• 5:54George Kamel?

  So.

• 5:55Rachel Cruze?

  Tacky.

• 5:56George Kamel?

  I decided, you know what? Instead of making everyone like, hey, bring a gift, bring more stuff, what if I did a little QR code and if you so chose, you could give to her future college fund. So I made a cute, it was really cute. It said like, cowgirls, blah, blah, blah, support cowgirls college fund with a QR code to go scan and donate directly to the fund. This was not like my then, no. So I then posted on social media, like I'm posting a picture as a joke, like when you're the, when you give people financial advice and you're the girl that, whatever, as a funny joke. Then people thought, wow, he's soliciting donations from social media now.

• 6:34Rachel Cruze?

  Oh, they thought.

• 6:35George Kamel?

  So they thought it was tacky that I was on social trying to get money for my daughter's college fund.

• 6:40Rachel Cruze?

  Which was not your intent of that.

• 6:42George Kamel?

  Which was not the intent. It was supposed to be a funny joke, like this is classic George behavior that amidst all the gifts, George is like, hey, you could donate to the college fund because it will, at a 12% rate of return, it'll turn it, you know. So there you have it, Rachel. You came at me more than the commenters did.

• 6:56Rachel Cruze?

  I was a little aggressive. I'm so sorry.

• 6:57George Kamel?

  It's okay.

• 6:58Rachel Cruze?

  Honestly, the QR code though, George. Okay, and the comments were, if we shall, uh...

• 7:04George Kamel?

  Yeah, here's one. This dude is being totally classless.

• 7:08Rachel Cruze?

  College fund donations are strictly for the grandparents.

• 7:11George Kamel?

  Since when? Are you the 529 police?

• 7:14Rachel Cruze?

  Do you... Oh my gosh. Okay, are you, are you doubling down?

• 7:19George Kamel?

  I am doubling down.

• 7:20Rachel Cruze?

  Wow.

• 7:21George Kamel?

  But you know what? I will say, it's unpopular being a good dad in today's world.

• 7:24Rachel Cruze?

  Okay, it's just unbelievable.

• 7:26George Kamel?

  It's not a cool thing to do. Here's what I will say, the context was missing. People thought I was publicly asking for donations. I was not. I was making fun of myself on social media by saying like, when you work, you know, in personal finance, you're the dad who has a QR code.

• 7:43Rachel Cruze?

  You weren't expecting your social media people.

• 7:44George Kamel?

  No, I was not asking anyone to donate. The other thing that I missed was that people that came to the party didn't know this was happening. It was a last minute idea I had.

• 7:52Rachel Cruze?

  Yes.

• 7:53George Kamel?

  And so they already bought gifts. And so, no, I didn't expect them to also give to the 529. It was more for me. I had a good time in Canva, making my little, you know, cowgirls going to college. You want to support... I got $0 from this big campaign I ran at the party. This party was just close friends and family. This was not like 1,000 people and I was like, hey, donate. Venmo me for me. No.

• 8:16Rachel Cruze?

  I know.

• 8:16George Kamel?

  She's gonna be fine. I'm already gonna fund her college. I'm not asking strangers to fund it.

• 8:21Rachel Cruze?

  But you did ask friends to fund it.

• 8:24George Kamel?

  It was an option. I did not ask anyone. It was just a simple, it was signage by the gifts in case someone thought, oh, that's fun. I would love to give her the gift that keeps on giving through compound growth instead of a piece of crap toy that we're gonna throw away in one month.

• 8:38Rachel Cruze?

  Okay.

• 8:39George Kamel?

  The dogs will destroy.

• 8:39Rachel Cruze?

  Doubling down. Georgia's doubling down.

• 8:41George Kamel?

  Doubling down, but I will say the context was missing and I could have done it in a better way.

• 8:46Rachel Cruze?

  Okay, fair. Okay. Next is mine and my children.

• 8:50George Kamel?

  Finally.

• 8:51Rachel Cruze?

  And my children.

• 8:51George Kamel?

  I am ready to roast Rachel.

• 8:54Rachel Cruze?

  My kids now, we only give them tablets on, on road trips or on flights. So they're like on drugs every time we like travel.

• 9:01George Kamel?

  They're like, man, I don't.

• 9:02Rachel Cruze?

  They don't get, they don't get on.

• 9:03George Kamel?

  Oh, yeah.

• 9:03Rachel Cruze?

  So I don't do anything now.

• 9:05George Kamel?

  What are they watching?

• 9:06Rachel Cruze?

  It's great. They play games, a snake game that you gotta eat stuff. That's their big thing.

• 9:10George Kamel?

  That feels like a good thing.

• 9:11Rachel Cruze?

  I know, they love games and one's a color in per box thing Amelia does.

• 9:17George Kamel?

  So the reason they want to travel is not for the destination?

• 9:19Rachel Cruze?

  That's what we're learning, yes, that they just want their tablets.

• 9:22George Kamel?

  Okay, here's the comment that I think sums all of the drama up. Quote, "When you said tablets followed by on drugs, I assumed you were talking about giving your kids Benadryl to keep them quiet on road trips."

• 9:33Rachel Cruze?

  I know.

• 9:34George Kamel?

  Next comment, "For sure thought she was talking about drugging up her kids during travel."

• 9:39Rachel Cruze?

  Oh, my gosh. I, I did say I'm gonna give them a tablet and it's like they're on drugs. Yeah, that was not a good.

• 9:45George Kamel?

  You're talking about the dopamine of a screen keeping them occupied.

• 9:48Rachel Cruze?

  Yes, that it's like they're on drugs because they're just like so dazed out staring at this tablet, which isn't even an iPad because we're too cheap to even do that. So we do Amazon Fire. And they're sitting there just playing their games and you don't hear a peep from them. So, yeah.

• 10:03George Kamel?

  So can you clear the error that you are not drugging your children?

• 10:06Rachel Cruze?

  Yeah, so I would, I would rephrase how I said that so that it's clear. I am not drugging my children with Benadryl tablets. They are watching electronic tablets and because they are so happy and enthralled with them, it is like, it is like they are on drugs. So forgive me.

• 10:26George Kamel?

  And you don't give them these tablets any other time?

• 10:29Rachel Cruze?

  No, they just get it on vacation. And now it's kind of like become a thing because Charles recently, we're going on a trip for spring break. And he's like, I can't wait for our trip. And I was like, I know, it's gonna be so fun.

• 10:40George Kamel?

  He's talking about the tablet?

• 10:41Rachel Cruze?

  He goes, because I get to wa, I get to watch my, I get to watch my tablet. And I was like, oh, shoot. So that's not good, you know?

• 10:48George Kamel?

  He doesn't care about the trip.

• 10:49Rachel Cruze?

  Exactly.

• 10:50George Kamel?

  Your boy's glued to the screen. Oh, my goodness.

• 10:53Rachel Cruze?

  So I don't know if that theory's really working out for us, but it's fine. Yeah, I don't, I don't, we don't do tablets at home.

• 10:59George Kamel?

  That's impressive.

• 11:00Rachel Cruze?

  Yeah.

• 11:01George Kamel?

  Only the big screen for the kids, only the best.

• 11:03Rachel Cruze?

  Just the big screen.

• 11:04George Kamel?

  That's what we're talking about.

• 11:04Rachel Cruze?

  The big screen. People will probably yell at us.

• 11:07George Kamel?

  When you were a kid, did you play games in the car and all that?

• 11:10Rachel Cruze?

  We, I got a Game Boy, the original Game Boy.

• 11:13George Kamel?

  Yes.

• 11:13Rachel Cruze?

  And you had a Tetris, Kirby, did you ever have the Kirby game? Um, I did that, and then we did get a Playstation when I, the original, this is like the gray Playstation.

• 11:23George Kamel?

  OG, yep.

• 11:24Rachel Cruze?

  Gosh, and that was...

• 11:25George Kamel?

  What was your game of choice?

• 11:27Rachel Cruze?

  I had a game, we've talked about it on here, and we couldn't remember it. It was like a, it was like a chicken.

• 11:34George Kamel?

  A chicken?

• 11:35Rachel Cruze?

  It was a rooster looking character, a chicken character that would, that you would play. We looked this up, do you remember this, George?

• 11:44George Kamel?

  We found the name, I think.

• 11:45Rachel Cruze?

  Yes. Oh, no.

• 11:47George Kamel?

  We'll never remember it again. Okay, let's get to the next clip. That was a cute one for you, the tablets and drugs.

• 11:53Rachel Cruze?

  I know, yeah, that wasn't too bad.

• 11:55George Kamel?

  Let's see what I said next. Do you have any good hotel hacks, like for booking?

• 12:00Rachel Cruze?

  No, do you?

• 12:01George Kamel?

  Kind of, yeah.

• 12:02Rachel Cruze?

  Tell me, tell me, George.

• 12:04George Kamel?

  Priceline Express.

• 12:06Rachel Cruze?

  Okay.

• 12:06George Kamel?

  Allows you to get like really great deals on hotels, but you don't know what hotel you're booking.

• 12:10Rachel Cruze?

  I've heard about that.

• 12:11George Kamel?

  So it makes people nervous, they're like, I don't know what hotel this is. Now, they'll tell you, hey, it's a four star hotel with these great ratings, but you don't know specifically. I knew exactly what hotel I wanted to stay at. I was like, I want to stay at the Kimpton Aventi in New York City.

• 12:23Rachel Cruze?

  Okay.

• 12:24George Kamel?

  I use a browser extension called Travel Arrow, which sees through Priceline's...

• 12:30Rachel Cruze?

  Stop it.

• 12:31George Kamel?

  ...magic cloak of invisibility and reveals exactly what hotel I'm about to book. But Priceline Express gives it to you at a steeper discount.

• 12:39Rachel Cruze?

  Yeah, for sure it does.

• 12:40George Kamel?

  So that's what I did. How could that spark controversy?

• 12:43Rachel Cruze?

  Why?

• 12:43George Kamel?

  Apparently dozens of people commented either disagreeing and saying it's better to call the hotel directly, or accusing me of doing a paid ad for Priceline?

• 12:52Rachel Cruze?

  Oh, they thought you were sponsored.

• 12:55George Kamel?

  What is up with people thinking every time you mention anything, it must be an ad? Here's the other part, disagreeing it's better to call the hotel directly? The hotel ain't giving you these prices. They're always like, "Well, just call the hotel because it's safer. If you book through the third party, there's no guarantee." Sure, I get that. There is some risk booking with a third party versus directly with the hotel. The hotel, the lady at the front desk was like, "How did you get this?" Like, she was shocked.

• 13:18Rachel Cruze?

  She was shocked. Alright, George, so you're doubling down. I feel it in the spirit.

• 13:22George Kamel?

  I'm doubling down. Not an ad, just trying to be helpful.

• 13:25Rachel Cruze?

  Just trying to be a helpful human.

• 13:27George Kamel?

  Everyone's like, "Hotel is the..." I try to give you the hack, and they're like, "This guy's trying to..." No. No.

• 13:32Rachel Cruze?

  There's mad that you're giving hacks, George.

• 13:34George Kamel?

  Yep. So, don't have the hookup with Priceline, not affiliated, but we do have the hookup with one of our favorite services, DeleteMe.

• 13:41Rachel Cruze?

  Yes, love DeleteMe. Can we just talk about how great they are?

• 13:44George Kamel?

  We can.

• 13:45Rachel Cruze?

  Because they go in and remove your information online, and hundreds of data broker websites that are out there, because if you are unaware of how much time you spend online and how much time you put in your information online, like we all do, but it's everything from your name, address, addresses, even past addresses, your phone number, like, all this information about you is out there. And then, you know what really gets me, George?

• 14:07George Kamel?

  What's that?

• 14:08Rachel Cruze?

  Companies make money off of that. Off of our information.

• 14:10George Kamel?

  Oh, it's gross.

• 14:11Rachel Cruze?

  And they sell it to other companies, and you're like, "Stop it! Stop using my information." But that's where so many of our spams and scams come into play, so removing your information online is what DeleteMe does best.

• 14:22George Kamel?

  And they send you this amazing report every other month, and they have reviewed over 20,000 data broker sites, removed me from 250 of them so far, saving me, I think, 85 hours?

• 14:33Rachel Cruze?

  Yeah.

• 14:34George Kamel?

  Of time, which is incredible. And so, if you want to go check it out, they're giving our listeners and viewers an awesome discount, 20% off their annual plans, which comes out to like, nine bucks a month.

• 14:43Rachel Cruze?

  Yeah.

• 14:44George Kamel?

  So, go to joindelete.me.com/smartmoney, or click the link in the description. That's joindelete.me.com/smartmoney.

• 14:50Rachel Cruze?

  Alright, this next one was a clip from Smart Money Happy Hour, and we put it on... On Instagram, or online, I think other platforms.

• 14:59George Kamel?

  On the line.

• 14:59Rachel Cruze?

  About us buying 2009 wines the year we got married. So here's this clip.

• 15:05George Kamel?

  Oh, boy.

• 15:05Rachel Cruze?

  You know what Winston and I did?

• 15:07George Kamel?

  What?

• 15:07Rachel Cruze?

  When we got married in 09, we went to a liquor store and we bought probably five or six cases. I mean, I think it was upwards of like, I don't know, how many is in a case? 12? I mean, over 60, 70, 80 bottles of 09 wine. And every anniversary, we open up a bottle.

• 15:25George Kamel?

  That's fun. Just you two?

• 15:27Rachel Cruze?

  Uh huh. Yeah, yeah, yeah.

• 15:27George Kamel?

  That's exciting. I like that tradition.

• 15:29Rachel Cruze?

  And we have all of our bottles of like where we were, like which restaurant we were at and all of it. All of our anniversaries, almost 15.

• 15:35George Kamel?

  So how could a sweet, innocent tradition of you and Winston, opening a bottle of wine?

• 15:40Rachel Cruze?

  The comments were so funny. I mean, a lot of like, that was great, that was great. And then I got, you can't buy 09 wine in 09 unless it's table wine, which wouldn't age. Suss. All right. I got married December of 09. So by the time you go to your honeymoon and like do all the things and you go to the liquor store, it's like, probably bought it in like February of 2010. Sorry, I got the details wrong. Tons of 09 wine, tons of it.

• 16:06George Kamel?

  I love this.

• 16:07Rachel Cruze?

  And then George, you know what you do? You go and you buy wine refrigerators. We bought two of them to hold the bottles.

• 16:14George Kamel?

  The privilege.

• 16:15Rachel Cruze?

  So they're chilling. They're chilling right now in refrigerators. Cause you know what? It was an investment into our future and what we wanted with our marriage. So they are lasting and they are still good 15 years later, because we open one every year and it's fine. It's good wine. And it wasn't crazy expensive wine either. But if you keep it preserved, it's fine. Now is it gonna be okay in 50 years? Maybe not. But who cares? We're gonna be like robots by then, you know?

• 16:37George Kamel?

  I love seeing you turn into me. It's really the best, it's the best gift.

• 16:42Rachel Cruze?

  It didn't make me mad. I was like, I bet that's not, oh, and someone else said, I don't even know if we wrote this one down. They were like, oh yeah, a lot of like, what privilege, privilege. But I'm like, okay, yeah.

• 16:52George Kamel?

  Oh, to buy a case of wine?

• 16:53Rachel Cruze?

  Yeah. And we bought multiple cases. So yeah, it may have been a couple hundred bucks. Right, like, I don't know. I don't know what to tell ya. I don't know what to tell ya.

• 17:00George Kamel?

  I love this comment. "As a senior in college, your budget included this much wine, yet you claim to be a commoner eating nothing but rice and beans? Dropping significant cash like that is not in the baby steps when you just graduated."

• 17:14Rachel Cruze?

  Well, I had a semester left, so take that.

• 17:17George Kamel?

  Goodness gracious. Also, have you claimed to be a commoner eating nothing but rice and beans?

• 17:22Rachel Cruze?

  I know, I don't eat rice and beans.

• 17:23George Kamel?

  Something you've never said before.

• 17:24Rachel Cruze?

  No.

• 17:25George Kamel?

  We tell people to do rice and beans when they're, like, drowning in debt trying to get out.

• 17:28Rachel Cruze?

  Yes, and even that is not literal.

• 17:33George Kamel?

  It's a metaphor.

• 17:34Rachel Cruze?

  It's not literal. It's just a mindset. Do we have to tell people that? I really wouldn't tell people that.

• 17:40George Kamel?

  I love when other people-

• 17:41Rachel Cruze?

  I did get defensive of that one.

• 17:42George Kamel?

  The best part is when other people are telling Rachel Ramsey Cruz to be more Ramsey.

• 17:49George Kamel?

  What?

• 17:50Rachel Cruze?

  I don't know, but I thought, that is a sad, you, yeah.

• 17:55George Kamel?

  So, are you doubling down?

• 17:57Rachel Cruze?

  Yeah, I'm doubling down. Just the truth. This is what we did. I don't know why people were, like, so confused about it.

• 18:03George Kamel?

  Well, most people have never purchased a case of wine, myself included. You know, I'm not really a big wine guy.

• 18:09Rachel Cruze?

  Yeah, I mean, it's fine, but would you comment on someone's thing sounds sus?

• 18:14George Kamel?

  No, I would just move on, like a normal person.

• 18:16Rachel Cruze?

  Suspicious. Just write the whole word out if you're gonna be mad at someone.

• 18:20George Kamel?

  They did do a sus dot, dot, dot.

• 18:22Rachel Cruze?

  Yeah, like, okay. Just go ahead and, like, just type it out. Let's don't be lazy with our critiques. All right, I'm done.

• 18:29George Kamel?

  That was fun for me.

• 18:32Rachel Cruze?

  That one did make me mad. We'll see on this comment. I was like, how do you hate on that? Like, that's my other thing. Sorry, we won't keep, I won't keep doubling down.

• 18:38George Kamel?

  It wasn't even financial advice. It was simply you sharing a thing that happened.

• 18:42Rachel Cruze?

  And everyone's like, oh my gosh.

• 18:45George Kamel?

  To be fair, there was a lot of people who also said, "What a beautiful tradition." They were very inspired by it.

• 18:53Rachel Cruze?

  Can't do anything right, George. Can't do anything right.

• 18:55George Kamel?

  I'm so sorry. I can't imagine what you're going through. What a hard life.

• 18:59Rachel Cruze?

  Okay, what's yours?

• 19:00George Kamel?

  All right, back to me. What do we got? I'm at a Costco. A man approaches us and he's like, older man, probably in his 50s, maybe 60s. And he goes, hey, listen, I forgot my membership. Do you mind if I just like walk in with you guys?

• 19:11Rachel Cruze?

  Is this in the parking lot?

• 19:12George Kamel?

  This is in the entrance area of Costco, which as you know, you can't get into Costco without flashing your membership with your photo. And this guy's kind of like approaching us and he's like, hey, I don't have my membership, like I have a picture of it on my phone. I was like, well, great, I do too. That's what I use. I use the Costco app and I click the membership. And he's like, no, no, no, it's like a picture of the membership card. I'm like, okay, he's a real boomer. So I pretend like he's my dad and we walk in together. So we're chatting it up. I'm flashing the card real casual while talking to dad. So he walks in, I ask him, what are you gonna do on the way out? Cause you need to now

• 19:40Rachel Cruze?

  Oh, 100%.

• 19:40George Kamel?

  Show your picture with your card when you're in line or else they won't let you through.

• 19:44Rachel Cruze?

  Yep.

• 19:44George Kamel?

  And he goes, I'll figure it out. I'll find someone. Guess who he finds at checkout?

• 19:49Rachel Cruze?

  He found you, George.

• 19:50George Kamel?

  He ends up right behind me in line.

• 19:52Rachel Cruze?

  No, he doesn't.

• 19:52George Kamel?

  And he goes, well, what are the chances? And I go, I think this man's committing a crime now. I mean, it's a free country, but also Costco has rules. Okay.

• 20:00Rachel Cruze?

  Okay, George, I forgot, I forgot that story. That's been a while.

• 20:05George Kamel?

  I forgot how good of a person I was for trying to do a good deed and then getting roasted for it.

• 20:09Rachel Cruze?

  What did they say?

• 20:10George Kamel?

  It's common knowledge that if you lost your Costco card, all you have to do is ask them to print out a temporary one at the front desk. First of all, that is not common knowledge. Did you know that?

• 20:19Rachel Cruze?

  No, I did not know that.

• 20:21George Kamel?

  I didn't know that.

• 20:22Rachel Cruze?

  No.

• 20:22George Kamel?

  How am I supposed to know? I was just trying, and honestly, out of all the crimes I could commit, getting a guy into a Costco.

• 20:30Rachel Cruze?

  It's low on the bar.

• 20:30George Kamel?

  Yeah, it put me in a minimum security prison for that.

• 20:33Rachel Cruze?

  I just want to know what he saw in you to think this is my guy.

• 20:37George Kamel?

  There's something about me that says, this guy will do it.

• 20:40Rachel Cruze?

  This guy, look at him. Just see, I can rope him into a scam in a heartbeat. Do you think it was a scam or do you think he genuinely forgot his Costco card?

• 20:48George Kamel?

  He seemed like a genuine, I mean, I didn't pay for his stuff.

• 20:52Rachel Cruze?

  Sure.

• 20:52George Kamel?

  So I was like, I'm not, like, I'm not falling for that.

• 20:54Rachel Cruze?

  Yeah, yeah.

• 20:55George Kamel?

  He was just a guy, like, worst case, he snuck into this Costco and bought some stuff with his own money.

• 21:01Rachel Cruze?

  Trail mix and meat.

• 21:03George Kamel?

  Take my membership away, Costco.

• 21:06George Kamel?

  So I don't know. Here's another comment. Well, it's official, folks. Podcasts have run out of interesting content ideas.

• 21:12Rachel Cruze?

  Oh, no. Oh, no, they're calling us boring.

• 21:15George Kamel?

  That's an interesting story. If the algorithm said this person needs to see it. It's literally a money podcast. You spend a lot of money at Costco. Felt relevant to me. So, uh, I am going to go halfway on this.

• 21:30Rachel Cruze?

  Okay.

• 21:30George Kamel?

  I should have known that it's common knowledge that you can get a temporary membership.

• 21:34Rachel Cruze?

  Actually, as the Kirkland King, I am disappointed.

• 21:36George Kamel?

  Yeah, but like, what am I gonna do? Hey, I can't help you, but if you go to the

• 21:40Rachel Cruze?

  Yeah.

• 21:40George Kamel?

  customer service area, I'm sure they can. That's what I should have done.

• 21:43Rachel Cruze?

  You should have done that.

• 21:43George Kamel?

  And that's why I'm halfway on this.

• 21:45Rachel Cruze?

  Okay, that's good.

• 21:45George Kamel?

  But doubling down on it was a good deed. Shame on me, egg on my face for not sending him to customer service.

• 21:51Rachel Cruze?

  Okay, that's fair. Very humble. Very humble, George.

• 21:53George Kamel?

  And another person said, I'm sorry, did he say someone in their 50s and 60s is an older person? Calling them a boomer?

• 21:59Rachel Cruze?

  Oh, no.

• 22:00George Kamel?

  Yeah, they're older than me and they're literally a boomer in their 60s.

• 22:05Rachel Cruze?

  Just call them facts, facts. Yeah.

• 22:07George Kamel?

  I didn't say elderly. I didn't say decrepit.

• 22:09Rachel Cruze?

  Oh, my God.

• 22:10George Kamel?

  I didn't say geriatric. I just said someone older.

• 22:14Rachel Cruze?

  Older. That's right. Older than you or just general older?

• 22:17George Kamel?

  Someone older.

• 22:18Rachel Cruze?

  Okay.

• 22:18George Kamel?

  It's both.

• 22:21George Kamel?

  I'm sorry, when is 60s not older?

• 22:24Rachel Cruze?

  When you're about to be 60.

• 22:25George Kamel?

  I didn't say old. I just said older.

• 22:27Rachel Cruze?

  Older. Older than what, though?

• 22:28George Kamel?

  I can't win with these people. Fine, I'm done sharing my fun Costco stories because apparently it's boring to you.

• 22:34Rachel Cruze?

  Okay. All right, I'm next.

• 22:36George Kamel?

  Finally, back to Rachel.

• 22:38Rachel Cruze?

  On my 30th birthday, I went to Vegas and I had an envelope and I said, this is the amount of money.

• 22:43George Kamel?

  A little bit of fun money.

• 22:43Rachel Cruze?

  And when this envelope is empty, I'm done. I came out with more money than I came in. And the night I had at the craps table was one that I will never forget.

• 22:51George Kamel?

  Wow.

• 22:53Rachel Cruze?

  Okay, so the first comment I find endearing, they said, you know you're Dave Ramsey's daughter when you're using an envelope system in Vegas.

• 23:00George Kamel?

  That's cute.

• 23:01Rachel Cruze?

  That's funny.

• 23:01George Kamel?

  Okay.

• 23:02Rachel Cruze?

  And then we got a couple of these, but the essence was, so you're against credit cards, but down for gambling. Got it.

• 23:09George Kamel?

  Okay, how do you address the haters on this?

• 23:12Rachel Cruze?

  I get it. I get why they're hating. So I, uh...

• 23:17George Kamel?

  Oh, wow. You're in support of the criticism.

• 23:20Rachel Cruze?

  I'm not gonna stop if I go to Vegas again. Like, I'll still play craps. But I may not talk about it publicly. I don't know. Is that bad discernment on my end?

• 23:29George Kamel?

  I just feel like you need to address the fact that apparently this is debaucherous behavior.

• 23:34Rachel Cruze?

  I know. Well, it's not responsible. Like, we do talk about gambling, like...

• 23:39George Kamel?

  Yeah.

• 23:40Rachel Cruze?

  It's if you have extra money, and that's what it was for me. It's fine. I don't have like this personal conviction of like I did something wrong. But should I have spread that with the world via a podcast? I don't know.

• 23:51George Kamel?

  I think it's the same people who are upset that occasionally we'll have a cocktail on this show.

• 23:55Rachel Cruze?

  Yes, that is fair.

• 23:56George Kamel?

  Which is an adult beverage, and now we're promoting, I guess, alcoholism? They think we're like...

• 24:02Rachel Cruze?

  Yes.

• 24:03George Kamel?

  Getting debaucherous on this show?

• 24:04Rachel Cruze?

  So I guess they think I'm telling you to gamble your life savings away. So... So, yeah. But I get it, though. I get that. I don't know.

• 24:12George Kamel?

  So you can actually understand the hate on this one?

• 24:15Rachel Cruze?

  I feel like I need to, like, even out my '09 wine.

• 24:19George Kamel?

  Oh, good. You're like, alright, I'll take the loss on this one. Yeah, I hate losing money, and so it's harder for me to enjoy a Vegas trip.

• 24:27Rachel Cruze?

  Like, I get that, yes. Yeah. And the times I have played craps, I have lost more times than I have won. But when you win...

• 24:33George Kamel?

  You brag about it on podcasts.

• 24:34Rachel Cruze?

  It's pretty fun. It is fun.

• 24:36George Kamel?

  And you planned for it, and you knew if this money disappeared, you'd be okay.

• 24:39Rachel Cruze?

  Yes, and I've played maybe three times in my whole life, too. It's not like I'm like a...

• 24:43George Kamel?

  You're not constantly going to Vegas to try to win some money.

• 24:46Rachel Cruze?

  To go to... Yeah, I'm not like, yeah. That's not what I'm doing.

• 24:48George Kamel?

  Okay.

• 24:49Rachel Cruze?

  But, I don't know.

• 24:51George Kamel?

  Game recognize game.

• 24:52Rachel Cruze?

  I could see it.

• 24:53George Kamel?

  The Commenters won today.

• 24:54Rachel Cruze?

  Game recognize game. Um, alright, George, you got a Target. Man, you're all about the stores in these clips.

• 25:02George Kamel?

  I go to stores.

• 25:03Rachel Cruze?

  Okay, so this next one is about your Target run.

• 25:06George Kamel?

  That's where most of my stories come from, because I don't have hobbies.

• 25:09Rachel Cruze?

  So all you do is just go to...

• 25:10George Kamel?

  I go to stores. All right, let's play it. I returned an item from one Target to another Target in the same day. And they were like, "We can't return this." And I was like, "Why?" They're like, "Well, you need to wait 24 hours between purchases from different Targets to make a return."

• 25:23Rachel Cruze?

  Oh.

• 25:23George Kamel?

  And I'm like, "Well, I can't go, I can't come tomorrow." So I was like, "This is ridiculous." You know I purchased, I have the receipt. And so she's like, "I'm sorry, this is the rule." And I went, "Well, screw the rule." And I crunched up the receipt and said, "I'd like to do no receipt return." And she was just like, "Uh, okay."

• 25:39Rachel Cruze?

  George, you're sticking it to the man!

• 25:41George Kamel?

  And I know it was a little, it was a tiny win for mankind. But it was a big win for George. And I got my, I got it back.

• 25:47Rachel Cruze?

  That's actually pretty great.

• 25:48George Kamel?

  Thought it was an innocent, fun little story.

• 25:50Rachel Cruze?

  I actually, I'm great with it. That does not make me mad. Why were, why were people mad?

• 25:54George Kamel?

  Well, apparently, here's a comment. "You really stuck it to that hourly employee that has no control over the situation." Another comment. "It's not because it's their policy, it's because their system is from the 90s and aren't able to share data until after they close out for the night, former employee."

• 26:10George Kamel?

  I didn't think it was the, but here's my thing. The employee knows that you can do a no receipt return. So all I'm asking is for some human decency to say, "Hey, the system's really outdated, here's how it works, but I can just do a no receipt return."

• 26:24Rachel Cruze?

  Totally.

• 26:24George Kamel?

  That's what I would do if I was the customer service person.

• 26:27Rachel Cruze?

  Yes, for sure.

• 26:27George Kamel?

  I don't know if it's an oxymoron to put customer and service together these days, but I was expecting a little bit of service.

• 26:32Rachel Cruze?

  George, you're getting hate for this conversation right now.

• 26:35George Kamel?

  Did I ruin their day? No, they were fine. They probably have not thought about it since. And yet, you commenters, you haven't lost sleep over this clip. I can't believe he would treat a customer.

• 26:46George Kamel?

  They're doing their job. The no receipt return is a legitimate policy. If I take advantage of it, they'll cut me off. Did you know that?

• 26:52Rachel Cruze?

  No.

• 26:52George Kamel?

  If you go over a certain amount, because you have to give your ID.

• 26:55Rachel Cruze?

  Yes, I didn't know that.

• 26:56George Kamel?

  They track it against how many returns you've made. To avoid fraud. To avoid me, like, taking an item from I found in the trash and returning it to Target for money.

• 27:03Rachel Cruze?

  Totally, yeah, yeah, yeah.

• 27:05George Kamel?

  But listen, I have given Target a lot of money over the years. I don't feel bad about this.

• 27:09Rachel Cruze?

  Okay, so you're doubling down.

• 27:10George Kamel?

  I am doubling down that your system is stupid and old and it's time to update Target. I expected more of you. Costco, I understand. They're operating on a slim budget.

• 27:18Rachel Cruze?

  You're not supposed to be mad at Target, you're supposed to be mad at the people that commented about the, hating about the Target.

• 27:23George Kamel?

  I'm mad at the commenters. And also, Target, please update your systems. It's a real problem for people who buy things and then want to return it at a different store within a 24-hour period, which is a very specific situation.

• 27:35Rachel Cruze?

  There you go. So good.

• 27:37George Kamel?

  You know something I'll never return, Rachel?

• 27:39Rachel Cruze?

  What?

• 27:39George Kamel?

  Anything I've bought from Cozy Earth.

• 27:42Rachel Cruze?

  It is so true. I would cry if someone was like, "You've got to return this." I'd say, "Please, no."

• 27:46George Kamel?

  And even with the bedding, 10-year warranty on their bedding. So if I really had an issue, if I tore a hole in it, they're gonna make it right.

• 27:52Rachel Cruze?

  There's sheets I bought for my sister-in-law because she loves very soft things. So I literally bought a set of sheets from Cozy Earth for her birthday. And she just told me like two days ago, I was like, "Do you just love them?" And she was like, "I literally get in bed every night and I just feel like I'm swimming." That's what she said. I feel like I'm swimming because it's like the softest, most wonderful material.

• 28:10George Kamel?

  Obvious.

• 28:11Rachel Cruze?

  It's their sheets, it's their joggers, their pants, I have a sweatshirt.

• 28:16George Kamel?

  Blankets.

• 28:16Rachel Cruze?

  I have a regular, just like, black t-shirt I bought, like a long sleeve that I love. Winston has the socks. I mean, like-

• 28:22George Kamel?

  I'm kind of jealous. I gotta up my Cozy Earth game.

• 28:23Rachel Cruze?

  I'm not kidding. Go, you need to go because they have great sales. And actually, our discount code, I think, is the best, up to 40% off.

• 28:31George Kamel?

  Yeah. Promo code SMARTMONEY at checkout or go to cozylearth.com/smartmoney.

• 28:35Rachel Cruze?

  Yeah, so that's a really good deal because again, these are like nicer products. Like, we're not getting dupes here. They're like the legitimate thing. So when you go to checkout, again, you get up to 40% off. So type in SMARTMONEY when you're checking out and it's amazing. We love it.

• 28:48George Kamel?

  Thank us later.

• 28:49Rachel Cruze?

  Love it, love it.

• 28:50George Kamel?

  All right, next clip of you getting roasted.

• 28:52Rachel Cruze?

  Okay.

• 28:52George Kamel?

  Excited for this one. What'd you do now? What's an appointment and you're like, "I've hunted this so far."

• 28:58Rachel Cruze?

  Oh, the dentist for sure. But I think it's a scam because I'm fine. My teeth are fine.

• 29:02George Kamel?

  As far as we know, that's like saying, "Well, my car is fine because I got a car wash."

• 29:06Rachel Cruze?

  I went to the dentist and I did the whole like one-year thing or whatever. And then every time I went, they're like, "It looks great, it looks great." Finally, I was like, "Okay, I'm gonna go to one year." And then I went to two years. And then I went to the dentist last year for the first time and I can't even tell you how long. And he was like, "Looks great."

• 29:19George Kamel?

  Is this like Ramsey DNA?

• 29:21Rachel Cruze?

  No.

• 29:21George Kamel?

  I go twice a year to the dentist and they're always like, "Well, we gotta watch that cavity. We got a new machine we're gonna use on this."

• 29:27Rachel Cruze?

  So maybe if I had bad teeth- All right, I'm not shocked by this one, that I got hate. Probably my mother was in the comments too. I know people-

• 29:34George Kamel?

  Do you want to take it back? Now's your chance.

• 29:37Rachel Cruze?

  No. No.

• 29:38George Kamel?

  You're standing by the fact that the dentist is a scam.

• 29:42Rachel Cruze?

  Okay, that's probably strong. Probably strong language. Some of the comments were, "No, Rachel, go at least once a year. Dental health is a part of your overall health. If your plan is on using your teeth forever, professional cleaning every six months at a minimal, Rachel, 85-year-old Rach, will thank you."

• 30:01George Kamel?

  What do you think?

• 30:02Rachel Cruze?

  I mean, so far, my plan is working for myself. My children, I do take, just so I take care of my kids. My kids do go twice a year, all the things. But I just, I don't know, George.

• 30:17Rachel Cruze?

  I feel fine. I think the dermatologist, I would be more, so much more inclined to like, check my skin for stuff.

• 30:26George Kamel?

  Have you ever had a cavity?

• 30:27Rachel Cruze?

  Than my teeth. Uh, yeah, I got two when I was younger, back there.

• 30:32George Kamel?

  How'd you know?

• 30:33Rachel Cruze?

  Because my mom would take me to the dentist.

• 30:35George Kamel?

  Hmm.

• 30:36Rachel Cruze?

  And then I went, though. I went, y'all, like, two years ago. They're like, "Looks great, everything's fine," and I had not been in years. I'm telling you, an electric toothbrush and flossing, you are fine. You're fine.

• 30:47George Kamel?

  Oh, now you're promoting flossing all of a sudden?

• 30:49Rachel Cruze?

  Yeah, I've gotten on the flossing train.

• 30:50George Kamel?

  Was that because of me?

• 30:53Rachel Cruze?

  No, it's because I have one of those, like, little stick guys? Like, the bags of stick things?

• 30:57George Kamel?

  Do you know the brand?

• 31:00Rachel Cruze?

  Maybe Oral-B?

• 31:01George Kamel?

  Oh.

• 31:02Rachel Cruze?

  What do you have?

• 31:03George Kamel?

  Placker's Twin Line guy over here.

• 31:05Rachel Cruze?

  Wow.

• 31:06George Kamel?

  Yeah, Placker's Twin Line is the only...

• 31:07Rachel Cruze?

  Why, double the line?

• 31:09George Kamel?

  Double the line.

• 31:09Rachel Cruze?

  Okay.

• 31:10George Kamel?

  Yeah, oh, I can't stand a single line. Call me pretentious.

• 31:13Rachel Cruze?

  Well, yeah, why? What is it?

• 31:15George Kamel?

  I don't know, there's something about the double line that changes everything.

• 31:18Rachel Cruze?

  You know, my mom reuses her dental floss, so we're at a very low...

• 31:21George Kamel?

  Oh, my gosh, that's right. That was from the Sharon Ramsey episode we did.

• 31:24Rachel Cruze?

  It was, I know. I know, I don't know what to tell you.

• 31:27George Kamel?

  Be on the line for me.

• 31:27Rachel Cruze?

  Anyways, I don't think it's a scam, so I'll do your, I'll do one of these, half and half. I don't think it's a scam, that was kind of a joke. But also, I think you can keep your dental health fine with an electric toothbrush, brush and flossing. Now, if you have pain, go. Right? But like... And again, maybe genetics, too. I think some people just have bad teeth.

• 31:48George Kamel?

  Yeah, that's me.

• 31:49Rachel Cruze?

  So if that's you, then probably go.

• 31:50George Kamel?

  Most offensives, they always ask me, "Do you floss regularly?" I'm like, "Three times a day, why are you even asking me? Rude."

• 31:57Rachel Cruze?

  I know.

• 31:57George Kamel?

  "What are you finding over there?"

• 31:58Rachel Cruze?

  "What are you seeing there?"

• 31:59George Kamel?

  "You're thinking I'm not flossing."

• 32:00Rachel Cruze?

  Yeah, people did not like, especially the dentists out there, did not like me saying that, but sorry.

• 32:04George Kamel?

  That makes sense, yeah, calling their entire industry a scam.

• 32:07Rachel Cruze?

  I know.

• 32:08George Kamel?

  Not great.

• 32:10Rachel Cruze?

  Yeah, I mean, what other, I don't know.

• 32:12George Kamel?

  I got in trouble for calling funeral homes a scam. That was a recent, it didn't even make it to this episode. Apparently funeral home directors, directors don't feel that way.

• 32:20Rachel Cruze?

  Yeah, no, for sure not, totally not, George.

• 32:23George Kamel?

  Okay, let's get to the last one.

• 32:25Rachel Cruze?

  We will end on this last one.

• 32:26George Kamel?

  Helpful tip or a marketing myth, Rachel?

• 32:29Rachel Cruze?

  Oh, I love this.

• 32:29George Kamel?

  Oil changes.

• 32:31Rachel Cruze?

  Oh, man.

• 32:32George Kamel?

  They always tell you need an oil change.

• 32:34Rachel Cruze?

  I say, marketing myth Winston would say, needed. He's big on oil changes, like taking care of your car. Me, eh, it'll be fine.

• 32:44George Kamel?

  But then what if your car like blows up because you didn't do any oil changes?

• 32:48Rachel Cruze?

  Are you an oil changer when it's like it's time? Because I think my car indicates it later than the little sticker they give you up at the top.

• 32:55George Kamel?

  Oh, yeah.

• 32:56Rachel Cruze?

  Because they want you coming in more. Because they also come to you and they're like, well, your tire, your engine, your whatever, whatever. And I'm like, all of you. All right, the little friendly oil debate, you know?

• 33:08George Kamel?

  Is it a debate?

• 33:09Rachel Cruze?

  I don't know.

• 33:09George Kamel?

  I feel like you basically said oil changes are a scam.

• 33:14George Kamel?

  Everything's a scam.

• 33:15Rachel Cruze?

  This person said, if there's any car costs not to skip, it's an oil change. It prevents costly problems down the road. This person said, I work in the auto industry. Read the owner's manual. Tells you the correct mileage intervals for maintenance. Technically, you can go 10,000 miles between oil changes. But I still say do it close to 5,000 miles.

• 33:36George Kamel?

  10,000 feels insane.

• 33:37Rachel Cruze?

  Feels like a long time.

• 33:38George Kamel?

  Like usually it's like three, four, five.

• 33:41Rachel Cruze?

  Yeah, I don't know, I feel.

• 33:42George Kamel?

  Higher, six, seven?

• 33:44Rachel Cruze?

  I feel like I am.

• 33:45George Kamel?

  Eight, nine, okay.

• 33:46Rachel Cruze?

  Feel like I am who I am on that clip. So what I said, to repeat what I had said in the past, is I would follow this, I would not follow the sticker as much as I would.

• 33:55George Kamel?

  The meter.

• 33:55Rachel Cruze?

  The meter.

• 33:56George Kamel?

  Yeah.

• 33:56Rachel Cruze?

  Um, and I am not as detailed with it, even though I do think it's important, so I.

• 34:02George Kamel?

  Yeah, I'm doubling down on this.

• 34:04Rachel Cruze?

  I will not double, like I'll, I'll be more George in it.

• 34:07George Kamel?

  Oh, wow.

• 34:07Rachel Cruze?

  Yeah, I would go more, we should probably get our oil changed.

• 34:11George Kamel?

  But I always want a second opinion.

• 34:12Rachel Cruze?

  I would get my oil changed more frequently than I would get my teeth cleaned.

• 34:15George Kamel?

  That's frightening, but a true statement for you. I'm honestly proud of you.

• 34:20Rachel Cruze?

  And not brush, again. I want to clarify that I do brush my teeth with an electric toothbrush.

• 34:26George Kamel?

  Thanks for clearing the air on that one.

• 34:28Rachel Cruze?

  We all know that.

• 34:30George Kamel?

  Teeth look great. That's a good one. Yeah, the oil changes, you know, we both mostly drive electric cars.

• 34:36Rachel Cruze?

  Yes, that's true. That's true.

• 34:38George Kamel?

  But we have gas cars in the family, which need more maintenance.

• 34:41Rachel Cruze?

  They do, don't they, George?

• 34:42George Kamel?

  They do, and it ain't cheap.

• 34:43Rachel Cruze?

  No.

• 34:44George Kamel?

  It's true that when you take it in for something, they're always gonna find a bunch of things they recommend. And that's where I'm like, it feels dentist-y to add on all these things that they're like, "You should probably do this, or else you're gonna die."

• 34:53Rachel Cruze?

  Yes, that's right.

• 34:54George Kamel?

  I don't buy it. I want a second opinion.

• 34:56Rachel Cruze?

  I love it. Love it. Well...

• 34:58George Kamel?

  What's the takeaway from all this?

• 34:59Rachel Cruze?

  I think that we can change over time, George. I think that we may say things that in context made sense in our head, but as it goes out to the internets, may you not have the full grasp of what we are wanting. And sometimes we're wrong, but most of the time we're right, so it's fine.

• 35:17George Kamel?

  Well, as a true Ramsey in the DNA, most of the time we're right. And I'll say this, to your credit, in a 60-second post taken out of context the algorithm just showed you, it's hard to get the full effect, and so you just jump into the comment section.

• 35:32Rachel Cruze?

  Yeah.

• 35:32George Kamel?

  And so go watch the full episode before you jump to conclusions.

• 35:36Rachel Cruze?

  Yeah.

• 35:36George Kamel?

  Especially if it's our show. I highly encourage you to watch the full episode.

• 35:39Rachel Cruze?

  If you have the energy to put in negative things on the internet, comments for people that you don't know personally...

• 35:46George Kamel?

  How is your quality of life?

• 35:47Rachel Cruze?

  I would just ask yourself some questions.

• 35:48George Kamel?

  How are you doing?

• 35:49Rachel Cruze?

  What life are you?

• 35:51George Kamel?

  Like, what are you actually angry at? Because it's not our clips.

• 35:54Rachel Cruze?

  I don't know. If I'm being real honest...

• 35:56George Kamel?

  I'm being real honest.

• 35:56Rachel Cruze?

  We talked about before this show, I'm not friends with people that leave comments.

• 36:00George Kamel?

  I asked Rachel, I said, "Have any of your friends ever left a comment on YouTube or Instagram on a random person's post?"

• 36:07Rachel Cruze?

  Yeah, and I was like, "I don't think so." I will have friends that comment on celebrity posts, and they're like, "Yeah, you go, girl," and like, "Kim Kardashian," or something, and I'll see their comment, it makes me laugh, but it's like, nice, or something.

• 36:18George Kamel?

  Supportive.

• 36:18Rachel Cruze?

  Yeah, yeah, yeah, yeah. But I don't think I have any friends... I could be wrong on this, so just, and I could be held to this. The friends, I'm going through my rolodex real quick of like, eight to 10 of my girlfriends. I don't think any of them would put negative comments out into the world. I don't think that they're like... Gonna say something mean on the internet about people.

• 36:39George Kamel?

  So your final takeaway is if that's you, you need Jesus or therapy.

• 36:43Rachel Cruze?

  Yeah.

• 36:43George Kamel?

  Is that clear?

• 36:44Rachel Cruze?

  Or both.

• 36:44George Kamel?

  Both, I think, is the best combo.

• 36:46Rachel Cruze?

  Yeah, I'm kidding, y'all. It's fine.

• 36:48George Kamel?

  But we love when you guys comment with your positivity and encouragement, letting us know what you like. And what you don't like, I can take it. Honestly, it's fun for me.

• 36:57Rachel Cruze?

  Yeah, it's fine. We're kind of, we're blowing this into a bigger deal than it is.

• 37:01George Kamel?

  We're doing okay. You let us know.

• 37:04Rachel Cruze?

  I'm fine. What's that whole meme? What's the?

• 37:06George Kamel?

  Everything's fine?

• 37:06Rachel Cruze?

  I'm fine. It's fine. Everything's fine. We're fine. I'm fine.

• 37:09George Kamel?

  Our job is to help you. We're just sharing experiences and opinions, and they're on camera and then on the internet forever. And we don't have time to redo it perfectly.

• 37:17Rachel Cruze?

  But just know, we like doing this. We like our jobs. So just keep watching. And that's helpful to us.

• 37:24George Kamel?

  You know what I say, Rachel? Monetize the haters. Comment all you want. You're only making me more powerful. The algorithm is like, let's show this to more people. This is hot content. So, thank you.

• 37:34Rachel Cruze?

  Thank you for that. Okay, George, well, before we spill the tea on guilty as charged, uh, what are we sipping on?

• 37:40George Kamel?

  We are sipping on the sparkling strawberry coconut mocktail. And, uh, you, we both barely got through this one.

• 37:50Rachel Cruze?

  I hate to say it because I saw how much time and attentionality this mocktail took. There was a lot of blending, a lot, I mean, there was a lot of puree, a lot of stuff. So I just want to say thank you for making it. But I'm giving it a three out of 10.

• 38:04George Kamel?

  Ouch. Okay, here's what I was wanting it to be. I want it to taste like the pink drink from Starbucks. Which is, it's creamy, it's sweet, it's got coconut, it's got the strawberry. This one, it wasn't quite there, but I'm gonna go five out of 10.

• 38:19Rachel Cruze?

  Okay.

• 38:20George Kamel?

  If it had a little bit more sweetness, I could get behind it. It only cost 97 cents to make.

• 38:25Rachel Cruze?

  There you go.

• 38:26George Kamel?

  So that's a, that's nice. We didn't waste a lot of money on it. Here's what's in it. It's got strawberry puree, sparkling water, and coconut milk. So a very simple drink. And honestly, I think some people would love this. I would add some level of sweetness to help it out.

• 38:42Rachel Cruze?

  Yeah.

• 38:43George Kamel?

  But.

• 38:44Rachel Cruze?

  Yeah, I don't know.

• 38:44George Kamel?

  It's not bad.

• 38:45Rachel Cruze?

  Not bad. Okay.

• 38:47George Kamel?

  Recipes in the show notes if you guys want to try it out this weekend. Maybe your kids will love it.

• 38:51Rachel Cruze?

  All right, now it's time for Guilty as charged. And this is where we ask each other a new guilty as charged question every week. And if we're guilty, we take a sip.

• 38:59George Kamel?

  Oh, boy. All right, Rachel, here's the question. Has your honesty or quote, "public presence online" ever backfired?

• 39:07Rachel Cruze?

  Oh. Hmm. Where you put something out online and it backfired. Uh. No, uh, I did on Instagram. A one of those collagen face masks that's like all white and then it like dries clear translucent. And you like peel it off and it's supposed to be on for like five hours. And I did it because I was seeing them everywhere. So I was like, oh, so I did a story that I was doing and I got so many people were like, oh, my gosh, tell us what you think, what you think. So I did like the reveal after I was like, okay, this dried here. Took it off and I was like, eh.

• 39:40George Kamel?

  Not a great review.

• 39:41Rachel Cruze?

  Well, it's just like, it was fine. I mean, like nothing like majorly changed. And I guess I had shown, or no, I think I even tagged the company because people were asking what brand I was using. So I was like, oh yeah, it's this brand. Uh, and then they reached out to me.

• 39:55George Kamel?

  Oh, no.

• 39:56Rachel Cruze?

  I know, I felt terrible. And they were like, we're so sorry, you're disappointed. You know, could we ask like, they were very kind about it. So I was like, oh, shoot. You kind of forget that's people on the other end.

• 40:06George Kamel?

  There's real people here.

• 40:07Rachel Cruze?

  Yeah, I know. And I didn't like bash them, bash them, but I was just like very lukewarm about the results. So I think I just told them my only feedback was like every girl I was seeing that was promoting it had like beautiful, clear skin. So like, I don't know why, but you think like, I know, I know it's not true, but a part of you is like, when I take this off, maybe my sunspots will go away. And like my pores will shrink instantly, you know? And you're kind of still got your face.

• 40:31George Kamel?

  Dang.

• 40:31Rachel Cruze?

  Your face is your face. So they did, I did feel bad. I don't know.

• 40:35George Kamel?

  That's sad because they were so nice about it, too.

• 40:37Rachel Cruze?

  They were so nice about it, I know, so.

• 40:38George Kamel?

  They weren't like, thanks for dogging us, Rachel. You got a big following.

• 40:41Rachel Cruze?

  Am I a hypocrite?

• 40:43George Kamel?

  I'm not going to answer that.

• 40:44Rachel Cruze?

  Yeah, I, I just talked about how I don't say anything negative online, but I wasn't like bashing them. I was just like, eh.

• 40:50George Kamel?

  You were being honest.

• 40:51Rachel Cruze?

  I was giving an honest review.

• 40:52George Kamel?

  You weren't like, no one ever buy this, it's a terrible product.

• 40:55Rachel Cruze?

  No, no, no, no, no.

• 40:56George Kamel?

  Here's my results.

• 40:57Rachel Cruze?

  Yeah.

• 40:57George Kamel?

  Not the best.

• 40:58Rachel Cruze?

  Okay.

• 40:59George Kamel?

  That feels honest.

• 41:01Rachel Cruze?

  Oh no. Oh no. Oh man. You know, you put yourself on a pedestal and then you get knocked down because of your own words.

• 41:12George Kamel?

  Shame, shame, shame, shame.

• 41:13Rachel Cruze?

  Shoot. I'll rethink my whole life now.

• 41:15George Kamel?

  Good.

• 41:15Rachel Cruze?

  Okay, George, you?

• 41:17George Kamel?

  Uh, this one is more about, um, being in public. So, you know, occasionally someone will say, "Hey, like, I'm a big fan of the show," like when we're out and about shopping or whatever. Very once in a blue moon for me. I'm sure it happens all the time for you. But there was a time where I thought I was being recognized. And so like, you know when you're out in public, you're not like on. You know, you're just a person. Your face is just kind of whatever. I'm in a line, I'm tired in a line.

• 41:43Rachel Cruze?

  Sure.

• 41:43George Kamel?

  I'm in a Sam's Club, returning a chair.

• 41:45Rachel Cruze?

  Not Costco?

• 41:47George Kamel?

  No, I was in a Sam's Club this time. They had a great, they had a great lounge chair. Wanted a different color. I found out they had a stone, so I was returning the navy.

• 41:54Rachel Cruze?

  Okay.

• 41:54George Kamel?

  So I'm standing there with my navy lounge chair, returning it in the line, and all of a sudden, this lady is like, "Hey." And I turned, and I turned to an 11. I was like, "Hey, how's it going?" Because I thought like, "Oh, this is a person. I need to kind of like, you know, give them a little zhuzh it up a little bit." And she was like, "Where'd you get that chair?" And I was like, "Oh, it's just over there."

• 42:18Rachel Cruze?

  Yeah.

• 42:19George Kamel?

  And Whitney turned to me and she was like, "What just happened? Who are you?" And I was like, "I don't know. I thought I was being recognized and I was really tired and so I think I swung too hard to like go on."

• 42:30Rachel Cruze?

  George, that's funny.

• 42:32George Kamel?

  And she didn't know me from Adam. She was just like, "Hey, that's a cool chair. Where'd you get that chair?"

• 42:36Rachel Cruze?

  George was like, "Welcome to Smart Money Happy Hour."

• 42:40George Kamel?

  So embarrassing.

• 42:40Rachel Cruze?

  Oh, that's funny. You know what? Only you knew though, and Whitney.

• 42:44George Kamel?

  That's true. She just thought, "Oh, he's not okay."

• 42:46Rachel Cruze?

  Yeah.

• 42:47George Kamel?

  He's having, he's having a time.

• 42:49Rachel Cruze?

  He's having a real happy day here at Sam's. That's what she was thinking. He's in his happy place.

• 42:53George Kamel?

  Like, there's a level where you kind of have to be on because you don't know who you're gonna run into, you're gonna meet. So that's why I shower before I leave the house. It's my thing. I have to shower before I leave the house. Cause the day I don't is the day I'm just gonna be someone like, "Hey, can I get a picture?"

• 43:06Rachel Cruze?

  Paparazzi's like, "George, George, over here, George. George. George, tell us, George." They're all yelling at you, just taking your picture.

• 43:13George Kamel?

  I can't swing that.

• 43:13Rachel Cruze?

  And you got it, you gotta do this. You know, take that hat that you never wear.

• 43:17George Kamel?

  Well, I'll tell you this before we go. I'm on the wall at my alterations place. I have a framed picture.

• 43:25George Kamel?

  Yeah.

• 43:26Rachel Cruze?

  Signed?

• 43:27George Kamel?

  Signed.

• 43:29Rachel Cruze?

  Like a headshot?

• 43:30George Kamel?

  Yeah. So there was a lady in there getting some clothes done and she said, hey, oh my gosh, I watched the show. And so I ran to my car, grabbed a book for her son about to go to college. And one of the owners, the person that works there was like, I guess they Googled me after I left. So when I came back, he started yelling, YouTube, YouTube. And I was like, ha, that's me. I'm on YouTube. And he's like, picture, picture. And so we took a picture. Next time I came in, he had a framed picture and he's like, would you sign this? And I made it into the like Z-list celebrity wall of fame. I don't know anyone on this wall. So let me just tell you, like, I'm not...

• 44:04Rachel Cruze?

  You're in there, George.

• 44:05George Kamel?

  Catch me on the wall. How about that?

• 44:06Rachel Cruze?

  I'm so proud. So proud. Well, make sure that you guys, uh, leave a review. It can be nice or mean. We're taking it all. These days are really okay. We're fine. It's fine.

• 44:17George Kamel?

  But remember, you will be judged on the other side of this life.

• 44:20Rachel Cruze?

  Everything's fine. Uh, and make sure to check out our episode. We explain our most hated financial advice. If you like this episode, you'll love that one. And make sure to subscribe so you don't miss an all new episode of Smart Money Happy Hour.